What defines the limits under Part A of the Personal Auto Policy?

The correct answer defines the limits under Part A of the Personal Auto Policy as a split limit for injuries and property damage. This structure is characteristic of many auto insurance policies, where the coverage limits are separated into distinct categories. A split limit means that there are different monetary amounts set for different types of coverage, typically specifying the maximum amount payable for bodily injury per person, bodily injury per accident, and property damage.

This approach allows for tailored coverage, ensuring that the insured has clearly defined limits for injuries to others as well as for damage to property. Such differentiation enables better risk management and helps policyholders understand the extent of their coverage in various situations, which is particularly important in the event of an accident involving both bodily injuries and property damage.

In contrast, a single limit would provide one total amount for all types of damages, while a combined limit is not standard terminology used in the context of personal auto policy limits. The absence of specific limits does not apply since Part A indeed specifies that split limits are provided for clarity and protection against various liability claims.